If you're hosting or planning a one-day event such as a wedding, concert, or fundraiser, you will likely need single-day liability insurance.
Luckily, getting one-day event insurance doesn't have to be complicated. Philadelphia Insurance Companies (PHLY) offers special event insurance designed specifically for short-term events. These easily obtainable policies are part of PHLY's commitment to providing excellent insurance and customer service that surpasses our customers' expectations.
Why You Need One-Day Event Coverage
These short-term policies cover losses associated with bodily injury and property damage that can occur at an event. The process of applying for this kind of coverage is easier and faster than ever. With only a few questions to answer, you can obtain a policy and a certificate of insurance in just minutes. The online application is even mobile-friendly, giving you the ability to make a purchase on your own time, 24 hours a day, 7 days a week.
What will the Policy Cover?
Your short-term policy from PHLY includes the liability coverage needed to meet most standard venue requirements when holding a special event. A one-day event insurance policy covers incidents including:
- Property damage to the venue
Your single-day liability insurance begins on the first day of your special event at 12:01 a.m. to help ensure you are covered for the duration of the event. The certificate of insurance is issued instantly and is typically what you'll need to show the venue for proof of insurance.
Tips for Getting Special Event Insurance
There are a few things you should consider when choosing a one-day event liability insurance policy. Many of these tips depend on the type and duration of the event.
- Determine the start and end times of your event.
Coverage starts at 12:01 a.m. (just after midnight) on the day your event begins and ends at 12:01 a.m. the next day. If you know your event will continue past midnight, you'll also need to purchase coverage for the following day.
- Determine if alcohol will be present.
If alcohol will be served at the event, you'll likely need Host Liquor Liability coverage. This covers host liability associated with damages resulting from an intoxicated individual who was served alcohol at the event. PHLY has full Liquor Liability coverage available for qualifying risks.
- Take note of limits and deductibles.
Some policies that offer the lowest premiums will also have low limits and high deductibles. PHLY's policies have $0 deductibles and high standard limits of $1,000,000 per occurrence/$3,000,000 total.
One-day event insurance is a simple and easily obtainable policy that will satisfy venue requirements and protect you during your event. PHLY has an Overall Customer Satisfaction rating of more than 96% and can deliver the perfect policy to meet your needs. Fill out a special event application or speak with a PHLY Representative to get started today!
